Vehicle Rates
Let 1st CCU's friendly local lending experts help you with the purchase of your next car, truck or recreational vehicle! New, Used, or refinancing an existing loan you have at another financial institution, we do it all. Our great rates, fast approval, and flexible terms will have you in the driver's seat in no time. Now's the time to upgrade your auto, trade in your truck, or reap the savings by taking advantage of those end-of-season sales on recreational vehicles.
Vehicle Loan Rate Table: Rates effective 1/02/2020
VEHICLE AND RECREATIONAL RATES POSTED BELOW ARE THE LOWEST AVAILABLE TO QUALIFIED BORROWERS. YOUR RATE MAY BE HIGHER AND WILL BE DETERMINED BY THE LOAN TYPE, MODEL YEAR, TERMS, AMOUNT FINANCED, AND YOUR CREDIT HISTORY. SEE A LOAN OFFICER FOR DETAILS AND AVAILABLE TERMS.
| Loan Type | 24 Mo APR* | 36 Mo APR* | 48 Mo APR* | 60 Mo APR* | 72 Mo APR** | 84 Mo APR** |
|---|---|---|---|---|---|---|
Auto Loans As Low As: |
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| New 2019-2020 (<15,000 miles) | 2.90% | 3.05% | 3.20% | 3.35% | 3.65% | 3.90% |
| Used Vehicle 2015-2019 | 3.15% | 3.30% | 3.45% | 3.60% | 3.90% | --- |
| Used Vehicle 2009-2014 | 3.90% | 4.05% | 4.20% | 4.35% | --- | --- |
| Older Vehicles | 9.20% | 9.45% | 9.95% | 10.70% | --- | --- |
| Older vehicle loans not eligible for discounts; minimum loan amount $1,000 | ||||||
| Classic, Exotic as low as: | 6.60% | 6.75% | 6.90% | 8.90% | --- | --- |
Recreational Vehicles (Boats, Campers, RV's, ATV's, Snowmobiles, etc) As Low As: |
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| 2019 (NEW) - 2020 | 3.50% | 3.65% | 3.80% | 3.95% | 4.25% | 4.50% |
| 2015-2019 | 3.75% |
3.90% | 4.05% | 4.20% | 4.50% | --- |
| 2009-2014 | 4.50% | 4.65% | 4.80% | 4.95% | --- | --- |
| Older Recreational | 9.20% | 9.45% | 9.95% | 10.70% | --- | --- |
| Some rates may contain a balloon | ||||||
*APR = ANNUAL PERCENTAGE RATE. RATES, TERMS AND CONDITIONS ARE SUBJECT TO CHANGE AND MAY VARY BASED ON CREDITWORTHINESS, QUALIFICATIONS AND COLLATERAL CONDITIONS. ALL LOANS SUBJECT TO APPROVAL. SOME RATES MAY CONTAIN A BALLOON. RESTRICTIONS MAY APPLY. 100% FINANCING ON VEHICLE LOANS AVAILABLE TO QUALIFIED BORROWERS. CONTACT A LOAN OFFICER FOR FULL DETAILS.
**SOME RESTRICTIONS APPLY FOR TERMS 72 MONTH AND 84 MONTH TERMS. SEE A LOAN OFFICER FOR QUALIFICATIONS.
